Advertisements
Gerada por humano
With the recent changes to the policies of several credit cards and the cut in benefits, many people are looking for attractive alternatives on the market. In this scenario, credit union credit cards stand out.
We selected and analyzed the three best credit union credit cards currently available. They are: Sicredi Visa Infinite, Unicred Visa Infinite and Sicoob Mastercard Black Merit.
Advertisements
Rewards
On average, the best high-income credit cards on the market earn between 4 and 7 points per dollar spent, depending on where the purchase is made. Credit union credit cards, however, typically do not exceed 2.5 points per dollar spent. Recently, Sicredi launched its new Visa Infinite, which offers 3 points per dollar – an excellent option! However, the other cards evaluated still have a lot to improve in this regard.
VIP Lounge Access
Credit unions are unbeatable when it comes to VIP Lounge access. Both Sicredi and Unicred offer unlimited access to the LoungeKey and Dragon Pass programs.
The Sicoob card, on the other hand, only allows access to LoungeKey lounges. In any case, all these options guarantee excellent coverage of VIP lounges around the world.
Annual fee
As for the annual fee, the average among these cards is R$800 per year, and an additional 50% of this amount may be charged for additional cards.
However, each branch has its own charging policy and may possibly offer discounts or other benefits to obtain a partial or total exemption from this fee.
Foreign exchange markup
The issue of the foreign exchange markup, the premium charged by banks on foreign exchange transactions, is also an important aspect to consider. The Unicred Visa Infinite and Sicoob Mastercard Black Merit cards do not charge a foreign exchange markup.
The Sicredi Visa Infinite, on the other hand, charges a 1% foreign exchange markup, well below the 5.8% average charged by the main cards on the market.
General Analysis
After analysis, it is clear that the Sicredi Visa Infinite is the card with the best benefits and terms. However, these terms may vary according to the cooperative branch and it is always advisable to check which option is best for each individual.
For other people, the Unicred Visa Infinite and Sicoob Mastercard Black Merit may be more attractive options.
In short, it is important to remember that this analysis is general and may not apply to every case. For a better assessment of your financial situation, it is recommended that you seek personalized guidance from your account manager or financial advisor.
Image: https://pixabay.com/ stevepb
